To
change the name in Mutual fund folios in India, one must update their PAN Card
first and foremost. Along with the PAN Card; the name in Aadhar Card, other Government
issued IDs and bank account(s), etc. must be changed as well.
Also,
in case there is a change in signature along with the name, then that should
also be done simultaneously in all the above-mentioned documents.
Once
the name has been changed successfully in all the documents, one can change
their name in mutual fund portfolios.
1. Update Name in KYC Records
Step 1: Collect the Required Documents
To update your name in KYC, you’ll need:
Documents Required:
1. KYC
Details Change Form (available on any KRA or AMC website)
2. Self-attested
copy of Proof of Address, such as:
a) Aadhaar
Card (latest, masked copy allowed)
b) Passport
c) Driving
Licence
d) Voter
ID
e) Latest
Utility Bill (Electricity, Gas, Landline — not older than 3 months)
f) Bank
Account Statement or Passbook (with address, not older than 3 months)
3. Self-attested
copy of PAN card (for verification).
Step 2: Submit the KYC Change Request
Option A: Physical Submission
1. Fill
the KYC Details Change Form completely and sign it.
2. Attach
self-attested copies of your documents.
3. Submit
it to:
a) Your
Mutual Fund distributor, or
b) Any
KRA office, or
c) Any
AMC branch (they will forward it to the respective KRA).
You’ll receive an acknowledgement once the documents are verified.
Option B: Online (eKYC update)
Most KRAs now allow online name change if your Aadhaar is linked and
verified.
2. Update Name in Mutual Fund Folios
A) CAMS
1. Download
the “Change of Name Request Form” from CAMS or the specific AMC page (CAMS
hosts many AMC forms).
2. Attach
documents (PAN copy with updated name, proof of name change — see scenario list
below, KYC acknowledgement if KYC changed). Self-attest copies unless original
are specifically requested.
3. Submit
to CAMS Investor Service Centre / Designated Investor Service Centre (DISC) by
post / in-person. CAMS processes and updates the AMC folios they service. (CAMS
website lists DISC addresses.)
B) KFinTech
1. Download
the Change of Name / Personal Details form from KFinTech’s Investor services
site.
2. Attach
PAN (updated) + supporting legal proof and KYC acknowledgement (if KYC
updated). KFinTech also provides some online services for single-holder,
resident folios for limited updates; but name change typically requires a
physical form + documents.
3. Submit
physically at KFinTech DISC / by post to the addresses on their site.
Practical note:
if you have multiple AMCs, submitting via the RTA that services those
AMCs (CAMS or KFinTech) is faster than going AMC-by-AMC.
NOTE:
If the name change process will be done AMC
Wise, then most of the AMCs require the same items: completed AMC
Change-of-Name form, PAN copy (updated), proof of name change (marriage cert /
divorce decree / gazette / affidavit / court order), and KYC acknowledgement
(if KYC updated).
3. Documents
required (Case Wise)
Common documents
required:
1. Completed
change-of-name form (RTA or AMC).
2. PAN
copy showing new name (self-attested).
3. KYC
Acknowledgement / KRA printout showing new name (if you updated KYC).
Case
1. Name change due to marriage
1. Marriage
certificate (civil / municipal) or a notarised copy of marriage certificate.
Some AMCs also accept marriage invitation/affidavit + PAN updated.
2. PAN
copy showing new name (self-attested).
3. New
specimen signature (old and new signatures may be requested).
Case
2. Name change due to divorce
1. Divorce
decree/certified court order or decree absolute showing new name.
2. PAN
copy showing new name (self-attested).
3. Notarised
affidavit sometimes required by some AMCs.
Case
3. Legal name change (not marriage/divorce)
Gazette
notification of name changes OR certified court order plus an affidavit as per
MF format. PAN should be updated. (Gazette + PAN is the cleanest proof.)
Case
4. Typographical / spelling correction (small corrections)
PAN (if PAN has
corrected spelling). If PAN needs correction, change PAN first. Some RTAs
accept original bank statement / Aadhaar / passport showing correct spelling
plus an affidavit depending on how big the change is.
Case
5. Minor → Major (name change on attaining majority)
Provide birth
certificate / school records + PAN of investor (if issued) + a new KYC form
showing new name. Guardian’s signatures/consents as required. Check AMC form
for minor→major instructions.
Case
6. Joint holdings
All holders must
sign the Change-of-Name form (or at least sign where AMC/RTA requests). If the
first/primary holder’s name changes, some AMCs need signatures of other holders
too — check the form. Also ensure PAN/KYC of the primary holder is updated.
Case
7. Demat (units held in demat)
If your mutual
fund units are in dematerialised form (held in a Demat account), change name in
your Demat account first through your Depository Participant (DP). Once the
DP/Depository (NSDL/CDSL) updates the name, MF holdings in demat reflect the
new name. For folios held outside demat, use RTA/AMC route.
Case
8. NRI / Overseas Indian
NRI may need
notarised / apostilled documents and additional KYC (overseas proof). Also
confirm specific AMC requirements (some require original documents to be
submitted through their DISC). Check the AMC/RTA NRI instructions.
4.
Typical timeline & follow-up
After
submission, RTAs/AMCs often take a few business days to a few weeks to process,
depending on verification and whether PAN/KYC are in order. If PAN/KYC
mismatches exist, they’ll ask for corrections and delay processing. (Processing
speed varies by RTA/AMC.)
5.
What to check after change is processed
1. Request
an acknowledgement (folio statement) showing the updated name.
2. Verify
bank mandate, nomination, and email/mobile details are still correct — some
fields may require separate update requests.
3. If
you hold units in demat — check your DP statement / holdings for updated name.